Ready to Apply?

Common Questions

What is a Home Equity Line of Credit?

A Home Equity Line of Credit {HELOC} is a line of credit that lets you borrow against the equity you have in your home. As a revolving line of credit, there is no set number of payments and the credit can be used repeatedly.
This means you can:

Borrow as much or as little as you need, up to your established credit limit

Easily access your Home Equity Line of Credit with our Home Equity Checks

What can a HELOC be used for?

The equity in your home can help you pay for a new kitchen, consolidation debt, an unforgettable vacation or whatever you need.

If I have bad credit can I still apply?

Yes. You may still qualify for a mortgage even with bad credit.

Can I apply if I have a fixed income?

Yes. We evaluate several factors concerning your financial situation to determine the best mortgage options for you.

How is my private information protected?

Our site is completely secure, utilizing PCI-compliant, bank-level security software that is continually tested and certified.

Have a Mortgage already?



If you have your Mortgage at another financial institution, consider bringing it to United Financial. Find out more about our Mortgages here.
Refinance your Mortgage at United Financial and take out a Home Equity at the same time and we will pay the closing fees on your Home Equity.